Pearl Hawaii Credit Union
Verified rate book
Current Pearl Hawaii Credit Union rates
33 published offers verified as of August 4, 2026.
Mortgage rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fixed Rate Term 30 Year Mortgage- Owner Occupied, First Liens30 year fixed | 5.466% APR | 5.250% | — | Standard |
| Fixed Rate Term 30 Year Mortgage- Owner Occupied, First Liens30 year fixed | 5.535% APR | 5.500% | — | Standard |
| Fixed Rate Term 15 Year First Mortgage Owner Occupied15 year fixed | 5.058% APR | 5.000% | — | Standard |
| Fixed Rate Term 15 Year First Mortgage Owner Occupied15 year fixed | 5.115% APR | 4.750% | — | Standard |
| Fixed Rate Term 20 Year First Mortgage Owner Occupied20 year fixed | 5.037% APR | 4.750% | — | Standard |
| Fixed Rate Term 20 Year First Mortgage Owner Occupied20 year fixed | 5.146% APR | 5.100% | — | Standard |
| Term 3 Yearother | 4.500% APR | 4.500% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 5.000% APR | 5.000% | used | Standard |
| New Auto Loanauto_new | 5.000% APR | 5.000% | new | Standard |
HELOC rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HOW DOES A FIXED RATE HELOC WORK? (Term 3 Year)heloc_fixed | 4.500% APR | 4.500% | — | Standard |
| Fixed Rate Term 20 Year Second Mortgage Owner Occupiedheloc_fixed | 5.416% APR | 5.125% | — | Standard |
| Fixed Rate Term 15 Year Second Mortgage Owner Occupiedheloc_fixed | 5.434% APR | 5.375% | — | Standard |
| Fixed Rate Term 15 Year Second Mortgage Owner Occupiedheloc_fixed | 5.494% APR | 5.125% | — | Standard |
| Fixed Rate Term 20 Year Second Mortgage Owner Occupiedheloc_fixed | 5.521% APR | 5.475% | — | Standard |
| Home Equity Lines of Creditheloc | 6.500% APR | 6.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 8.000% APR | 8.000% | — | Standard |
Savings & CD rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Type IRA Savings Account (Traditional, Roth, Coverdell Education Savings Account)ira | 0.20% APY | 0.20% | — | Standard |
| 12-Month Certificatecd_12mo | 1.25% APY | 1.25% | 12 mo | Standard |
| Certificatecd | 1.25% APY | 1.25% | — | Standard |
| Certificate Rates (Term 1-5 Months)cd_5mo | 1.25% APY | 1.25% | 5 mo | Standard |
| 6-Month Certificatecd_6mo | 1.25% APY | 1.25% | 6 mo | Standard |
| Type 1 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)ira_cd_12mo | 1.25% APY | 1.25% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| Type 2 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)ira_cd_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| Type 3 Year-IRA Certificate (Traditional, Roth, Coverdell Education Savings Account)ira_cd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 36-Month Certificatecd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 8-Month Certificatecd_8mo | 3.90% APY | 3.90% | 8 mo | Standard |
Other rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Terms 4 Yearother | 5.000% % | 5.000% | — | Standard |
| Terms 3 Yearother | 5.000% % | 5.000% | — | Standard |
| Terms 5 Yearother | 5.000% % | 5.000% | — | Standard |
| Terms 2 Yearother | 5.000% % | 5.000% | — | Standard |
| Terms 6 Yearother | 5.500% % | 5.500% | — | Standard |
| Terms 7 Yearother | 6.500% % | 6.500% | — | Standard |
As of August 4, 2026, Pearl Hawaii Credit Union offers a 30-year fixed mortgage at 5.466% APR (2 points). Auto loans available from 5% APR. HELOC rates from 4.5% APR. Personal loan rates from 8% APR. Savings and certificate yields up to 3.90% APY.
Source: RateAPI.dev, verified from Pearl Hawaii Credit Union's official website
Latest available market position · Snapshot August 1, 2026
Pearl Hawaii Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other HI credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| New Auto Loan (best offer, cars) | 5.00% APR | #15 of 18 · top 84% | 3.65% | 4.50% | 50 bp behind state median |
| Used Auto Loan (best offer, cars) | 5.00% APR | #12 of 19 · top 64% | 3.25% | 5.00% | Matches state median |
| HELOC (best offer) | 4.50% APR | #1 of 17 · top 6% | 4.50% | 5.50% | 100 bp better than state median |
| Personal Loan (unsecured, best offer) | 8.00% APR | #31 of 32 · top 97% | 4.00% | 6.25% | 175 bp behind state median |
| 12-Month CD (best APY) | 1.25% APY | #8 of 11 · top 73% | 3.56% | 3.00% | 175 bp behind state median |
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About Pearl Hawaii Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 31.5K
- Assets
- $544M
- Founded
- 1937
- Locations reported
- 6
- NCUA charter
- 1961
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Pearl Hawaii Credit Union
Membership eligibility from Pearl Hawaii Credit Union's own published criteria. How we verify this.
Membership criteria are published on Pearl Hawaii Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationHonolulu — HI
Verified from Pearl Hawaii Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Pearl Hawaii Credit Union?
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Frequently Asked Questions
What rates does Pearl Hawaii Credit Union offer?
Pearl Hawaii Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Pearl Hawaii Credit Union rates updated?
RateAPI verifies Pearl Hawaii Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Pearl Hawaii Credit Union's rate data?
Rate data is collected directly from Pearl Hawaii Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Pearl Hawaii Credit Union's mortgage rate?
As of August 4, 2026, Pearl Hawaii Credit Union offers a 30-year fixed mortgage at 5.466% APR.
What are Pearl Hawaii Credit Union's auto loan rates?
As of August 4, 2026, Pearl Hawaii Credit Union offers auto loans from 5% APR.
What is Pearl Hawaii Credit Union's HELOC rate?
As of August 4, 2026, Pearl Hawaii Credit Union offers home equity lines of credit from 4.5% APR.
What is Pearl Hawaii Credit Union's personal loan rate?
As of August 4, 2026, Pearl Hawaii Credit Union offers personal loans from 8% APR.
What is Pearl Hawaii Credit Union's best CD rate?
As of August 4, 2026, Pearl Hawaii Credit Union offers savings and certificate (CD) yields up to 3.90% APY.
Related Rate Data
Compare Pearl Hawaii Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Pearl Hawaii Credit Union
curl "https://api.rateapi.dev/credit-unions/hawaii/pearl-hawaii" \
-H "Authorization: Bearer YOUR_API_KEY"